Your home insurance not only helps to protect your investment in your home, but it also gives you valuable peace of mind. But finding the right home insurance policy can be challenging, especially if you haven’t shopped for home insurance before and aren’t quite sure about what’s included and what your rates might be.
We’ve highlighted some key information that will help you shop for home insurance in Montana. This overview can help you to find the policy that’s right for your needs and for your budget, too.
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The average cost of home insurance in Montana is $1,736 per year, which includes $250,000 in dwelling coverage. That rate is about $300 more than the national home insurance average rate of $1,428 per year. That higher-than-average rate in Montana could be caused by the state’s increased risk of tornadoes and wildfires.
Insurance rates vary depending on where in the state you live, too. Areas that have higher crime rates or increased risk of damaging events have higher insurance costs. Insurance rates tend to be lower in areas with reduced risk.
Montana City | Average Cost of Home Insurance Per Year |
Alder | $1,584 |
Bonner | $1,585 |
Milltown | $1,586 |
Lloyd | $2,031 |
Shelby | $2,033 |
There are also several factors that will impact your individual costs, including the age and value of your home, as well as the distances to the nearest fire station. Since home insurance rates can vary so much, getting a personalized quote will give you the most accurate idea of what you will pay for coverage. You can get free home insurance quotes in Montana from ConsumerCoverage today to start exploring your rates.
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When shopping for home insurance in Montana, discounts for insuring your home and vehicle through the same company can help you to save money. You might consider a high deductible plan to keep your premium costs lower, but just make sure that you’re able to pay that higher deductible if you ever have to file a claim.
You can also potentially save money by shopping around and comparing quotes. Request a free homeowners insurance quote from ConsumerCoverage to start exploring your options and to find the insurance policy that’s right for you.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
